For Internal Use Only

JOB DESCRIPTION

A. Job Identification

Position Title Loans Specialist – Lead Generation

Division/Department N/A
Group/Cluster Sales and Collection Group
Reports To Team Leader – Sales and Collection
Direct Reports None
Job Level Rank and File
Job Complexity Semi-Complex

B. Job Purpose

The Loans Specialist – Lead Generation is primarily responsible for the effective and efficient loan
processing, acceptance of loan application and the conduct of KYC and loans underwriting ensuring
that all loan applications recommended passes the requirement of a quality loan portfolio. The
incumbent also performs marketing functions in assistance to the TLS and TAS.

C. Job Duties and Responsibilities

KPI
KEY RESULT JOB RESPONSIBILITIES AND KEY PERFORMANCE
Reference
AREA ACCOUNTABILITIES INDICATORS (KPIs)
Documents
A. Effective Delivery of Customer Experience (30%)

 Ensures that all incoming loan applicants were catered and  100% attainment of  Productivity
entertained targets Scoreboard
 Implements the marketing drive of the bank to increase
store portfolio.  100% attainment of
 Assists Team Leader – Sales and Collection and Team loans and NIAT
Assistant for Sales in the conduct of teacher engagement, target
product orientation, and other marketing strategies of the
bank.  Zero Customer
Complaints

B. Loan Underwriting and Administration (30%)

 100% complete loan  Inventory of

 Ascertains validity and authenticity of loan application requirements credit folders
documents and acquire quality loans through effective
evaluation of loan application and credit background.
 Zero error on loan
 Ensures efficient loan document preparation and loan enrollment to the
processing. system

 Facilitates approval of loan application by the Authorized  Zero releasing of

Approving Authority. unapproved loans

 Processes loan applications and enroll the same accurately

 0% unauthorized
in the T24 system
deviation of loans

 Zero tolerance on
erroneous
enrollment of loan
accounts in the
system

1
 For Internal Use Only

C. Loan Management (30%)

 Accurate, Complete  S&C reports

 Ensures efficient and effective monitoring of loans to and Timely
achieve low to zero past due rate.
submission of  Past due
 Ascertains accurate, complete and timely loan report reports monitoring
preparation and submission. and past due
 100% attainment of reports
 Assists in the client retention efforts of the bank thru loans and NIAT
regular communication with client for information and targets
updating.  Productivity
 At least 90% scoreboard
 Also performs fieldwork marketing for collection and
attainment of
promotion…
consolidated past
due amount targets
 Ensure all releases are billed and duly deducted on the
identified effectivity date  100% collection of
insurance premiums
 Assist in the collection and billing preparation. of borrowers until
maturity of the loan

 Acceptable or
average audit
proficiency

D. Other Assignment (10%)

 Act as reliever in the absence of the regular Teller.

 Zero cases of  Audit report
erroneous
transactions

E. Reports Required

 Past due Reports DepEd, SSS and Business Loans

 Projected Releases
 Buy In and Take Out Reports
 Loan Utilization Reports
 Annex Portfolio Reports
 Collection for Empowered Schools

F. Client Interface

Simple Moderate Complex

Communicating
with Internal 
 Store People
Clients
Communicating
with External  Clients
Clients
Simple – Interaction which involves giving information only
Moderate – Interaction which involves transaction with problem solving and decision making
Complex – Interaction which involves complex transactions to influence decision making

G. Job Qualifications and Competencies Requirement

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 Education

o Graduate of at least a 4-year course, preferably business-related courses

 Experience

o With or without experience

o Experience on credit-related jobs is a great advantage

 Technical Competencies (“Know-how”)

o Knowledge of all banking products

o Knowledge of loan policies and procedures
o Very good Office Application Proficiency
o Good marketing skills
o Good Judgment skills
o Good verbal and written communication skills

 Behavioral Competencies (“Traits”)

o Very good human relations skills

o Customer Focus
o Results driven
o Stress Tolerance
o Strong sales disposition

 Other Requirement

o Driving skills with driver’s license for 2-wheel & 4-wheel vehicle

H. Office Equipment

 Workstation

I. Signatures

Immediate Leader

Signature and Date

Employee

Signature and Date